Sims

BACKGROUND FACTS AND PROCEDURE1

Sims’ mother, Edna Gleason (Gleason), was the owner of a house located on Andover Drive in Magalia, California (the Andover property). In October 2013, Sims moved from Alaska and began living alone at the house. Several months later, Sims began operating her cosmetic tattoo-related business out of the house. When Sims first moved into the house, the property was insured under a homeowners’ insurance policy issued to Gleason by a Farmers Insurance Group company. In August 2017, the homeowners’ insurance policy was changed to a landlord insurance policy. Because Sims was not a named or additional insured on either policy, she was not informed of the change. Although the new policy remained in place through the date of the Camp Fire, neither Sims nor Gleason ever asked the insurer to add Sims as a named insured.

1 Review of this matter was made more difficult by the poor quality of the separate statements, which omit facts that are material and include facts that are immaterial. Nevertheless, we have discretion to overlook these procedural errors and consider evidence not cited in the separate statements. (Ghazarian v. Magellan Health, Inc.…